Hello again everyone, Such an amazing response from you guys, unfortunately not from Wescot Another letter brought up thoughts that they dont communicate between each other and whoever gets my letters doesnt check previous correspondence whatsoever. Ive decided to send them IE sheet, very honest figures and proof of them on request but few days ago I got a reply : 'We have previously advised you that one of the actions we were considering on your account was a Door Step Collection Visit to your home address to recover the outstanding balance. As we know of no genuine reason why you have failed to repay the outstanding balance, instructions will now be provided to our agent to make an appointment to visit you. You have a final opportunity to avoid referral to a DSC Agent by phoning us to agree a suitable method of repayment IMMEDIATELY. ' Should I send them another IE sheets ? I dont want a door step collection agent (like I would have anything to take from), please help.

Hello everyone, Happy after Christmas and happy New Year as well. So , my 'friends' from Wescot replied to my letter saying: 'We can advise we are unable to accept £300. the minimum we can accept is £832,37. If you are unable to pay this ,an arrangementt to pay instalments will need to be made on the full balance' Whats my next step? Arranging instalments like £5 a month and saying that i still offer £300? What is the best way to deal with that? Thanks a lot.

Yes, I used one of template letter for full&final with my own figure of £300. That's what they replied : 'Following your recent cmunication enclosing an offer of £832,37, in full and final settlement of the outstanding balance. Your offer has been accepted, providing payment is received within next 14 days. ...' Rest of it was how can i make a payment. Thats it. Not that they will write the rest debt off or correct credit file. But the most important thing was the amount of 832,37£ which i didnt offer at all. Im thinking of sending the same letter once again with the attachement that they made a mistake?

Hello there, Once again Wescot problems . I sent them a full&final Proposition of £300 for my debt something above £1000. I thought i will manage to collect that amount and it all will be over. I got reply that offer has been accepted, yes, but out of the blue completely different figure £832,37. To pay that in 14 days otherwise whole amount will be executed plus interest. Dont really know what to do. Do i send them same letter showing that was only £300 i proposed or there is something else i can do? Thanks so much

Hello everyone once again, As much as I wanted them to fail to send me a copy of the agreement - they didnt! They send me a letter with credit card opening agreement along with the Cardholder Repayment Protection with my signatures on them. However there is no statement how much do i owe or any mention that they are now legally the owners of my debt and I have to pay the whole amount to them. They said that my account has been placed on hold for 21 days to await my proposals for repayment. Is there anything else I can do? Or just sending a repayment plan left (they will not get much anyway as I work 15h a week only and rest i spend with my little child at home:) I appreciate any advice, thank you.

Thank you very much for such an amazing response. Im just about to send them another letter , 12 days is over. Send them postal order back with the letter addressed to Wescot once again, if I understood properly? You made my day...s

Hello everyone, Im desperately looking for answers Wescot replied that they are not creditors and I have to pursue Metropolitan collection agency for any kind of agreement . They are just acting on theirs behalf. I also would like to mention that I have never had a pleasure(NOT:wink:) to deal with Metropolitan so I would like to have any proof of my debt even more. What should be my next step? You are fantastic people, know much more that me. Thank you a lot.